Pay4 is a business finance solution that provides working capital to settle your supplier invoices. The product is in essence a revolving credit facility to make payments to any of your suppliers, for both goods and services.
Pay4 is a business finance option for UK companies that don’t want their growth constrained by lack of working capital. Our credit limits, which range from £50,000 to £1million, can be used, repaid and reused as often as your cashflow cycle requires.
We only charge a straightforward transaction fee as and when you choose to use the facility. You select when you repay Pay4 up to 120 days later. The minimum transaction size is £5,000.
“It was refreshing that something that was going to be so beneficial was actually so simple to use”
“You do get that personal touch as well. You feel as though you’re looked after and that makes a big difference.”
“It's enabled us to improve our cash flow situation, improve our sales and improve our margins."
“I would absolutely recommend it to anybody who is importing or looking for credit, speed and efficiency.”
“We feel confident now that we can take on bigger customers on their terms and develop new products because we have the backing. It’s a tool that has allowed us to grow.”
“Everything has been plain sailing. The communication’s great, the platform’s great, the way everything’s been dealt with is perfect really!”
“The main thing is being able to utilise stock as efficiently as possible and Pay4 has really been able to help us with that.”
After you are set up as a Pay4 customer there is no paperwork and little admin. You choose when and how to use Pay4. We want to make your business finance choice simple.
Pay4 allows you to manage the peaks and troughs in your cashflow cycles. So even if your business is highly seasonal, you can do what is right for growth: improve your stock levels, launch new product lines or employ the new salesperson, all without creating a working capital issue. You can also maximise your company’s margins by negotiating cash buyer discounts and by benefitting from purchasing in larger quantities. Higher margins means stronger growth.
You can pay one invoice at a time or several together, the choice is yours (providing the total value is £5,000+) and you can pay any supplier both in the UK and abroad in most currencies. Use the Pay4 business finance credit facility and you may never be constrained by working capital again